I don't think a virtual keyboard (you mean those on screen keyboards, right?) will protect you from anything at all. If you have a keylogger on your machine, the keylogger will get any input data including your on screen keyboard. Even if it couldn't the hackers could simply track your mouse.

If you're concerned about security, try a Linux distro, they are super secure and stable. No need to worry about getting a keylogger onto your machine. You can try dual-booting it.